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Contractors Insurance

Contractors Insurance covers a lot of ground. Carpenters, Landscapers, HVAC, Electricians, Plumbers, and a whole host of other industries all need coverage for their work, their equipment, and their people. If you’re a contractor in Mississippi, you definitely need coverage for your tools and liability protection.

  • General Contractors
  • Carpentry
  • HVAC
  • Plumbing
  • Electricians
  • Landscaping
  • Roofing
  • Excavation
  • Remodeling
  • Home Building
  • Asphalt Laying
  • Welding
  • Fence & Deck Building
  • Concrete Laying
  • Stone & Granite Work
  • A Whole Lot More
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What kind of insurance do Mississippi contractors need?

There is no blanket coverage called contractors insurance. Most contractors need a Business Owners Policy (BOP) tailored to their specific needs including coverage for general liability and commercial property (tools and equipment). A contractor’s BOP might include any or all of these coverages:

Tools & Equipment

Covers your tools and equipment in case of damage or theft.

Property

Contract penalty
Covers the cost if a project is not completed in the time set out in a contract and the customer wants to collect on a “penalty clause” for each day that the project is late.

Identity theft recovery
Covers you in the event you’re a victim of identity theft.

Installation
Covers materials while in-transit, stored at a temporary location, or at the customer location prior to installation.

Liability

Contractors errors & omissions (E&O)
Also called professional liability insurance, it covers lawsuits that claim you or your employees made mistakes or were negligent. For example, if someone sues you claiming you didn’t finish the job.

Employment practice liability (EPL)
Covers you if an employee claims discrimination (based on sex, race, age, disability, etc.), wrongful termination, harassment, or other employment-related issues.

Property damage – borrowed equipment
Coverage for equipment or tools rented or borrowed by you or your employees. Depending on your policy, the equipment might not be covered when it’s not in use on the job site.

Property damage – customers’ goods
Covers your customers’ property while on your premises to be worked on or used in your building or manufacturing process.

If you need contractors insurance, we’re ready to partner with you to protect your livelihood. Just fill out the quick form below and we’ll get right back to you ASAP.

Our Business Insurance Specialists

We've been protecting Mississippi businesses for decades. Our agent specialists have tons of experience across all industries, and our agency is backed by Leavitt Group's national family of agencies and experts.

Whether you're considering starting a new business or an established company, we can help answer your questions and provide insurance quotes from multiple companies.

Our job is to make sure all of our business partners are properly protected with insurance coverages that fit their individual business needs. We're all about properly protecting businesses, not just providing the cheapest coverage and moving on. For us, it's about partnerships, not just selling policies.

David Pyron

Personal & Commercial Insurance
Jackson, MS

Cameron Farmer

Personal & Commercial Insurance
Jackson, MS

Spencer Mitchener

Personal & Commercial Insurance
Gulfport, MS

Ashton Serpas

Commercial Insurance
Ocean Springs, MS

Ian Cross

Personal & Commercial Insurance
Pascagoula, MS

Zac Little

Personal & Commercial Insurance
Jackson, MS

Jay Jernigan

Personal & Commercial Insurance
Jackson, MS

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